Ujjivan Small Finance Bank Receives ESG Rating of 69 from NSE Sustainability for FY2025

1 min read     Updated on 03 Apr 2026, 04:44 PM
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Ujjivan Small Finance Bank Limited has received an ESG rating of 69 in the 'Aspiring' category from NSE Sustainability Ratings and Analytics Limited for FY2025. The SEBI-registered rating provider assigned this voluntary rating based on the bank's public disclosures and publicly available information, with notification received on April 02, 2026. The bank has disclosed this development under SEBI regulations and may respond to NSE Sustainability's request for comments separately.

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Ujjivan Small Finance Bank has announced that it has received an ESG (Environmental, Social and Governance) rating of 69 from NSE Sustainability Ratings and Analytics Limited for FY2025. The rating places the bank in the 'Aspiring' category, reflecting its sustainability practices and governance standards.

ESG Rating Details

The rating was assigned voluntarily by NSE Sustainability, which is a SEBI-registered Environmental, Social and Governance Rating Provider. The bank received notification of this rating via email on April 02, 2026, with the assessment covering the FY2025 period.

Parameter: Details
ESG Rating: 69
Rating Category: Aspiring
Rating Provider: NSE Sustainability Ratings and Analytics Limited
Assessment Period: FY2025
Notification Date: April 02, 2026

Rating Methodology

The ESG rating assessment was conducted based on the bank's public disclosures and other information available in the public domain. This approach ensures transparency and relies on publicly accessible data to evaluate the bank's environmental, social, and governance practices.

Regulatory Compliance

The bank has disclosed this information under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. This regulation mandates the disclosure of material events and information that could impact investor decisions.

Next Steps

NSE Sustainability has sought comments from the bank regarding the assigned rating. Ujjivan Small Finance Bank has indicated that it may respond to these requests separately in due course. The bank has also confirmed that this information will be made available on its official website at www.ujjivansfb.bank.in .

The ESG rating reflects the growing importance of sustainability metrics in the financial sector, as stakeholders increasingly focus on environmental and social responsibility alongside traditional financial performance indicators.

Historical Stock Returns for Ujjivan Small Finance Bank

1 Day5 Days1 Month6 Months1 Year5 Years
+2.27%+4.02%-1.05%+17.52%+64.48%+82.54%

How might Ujjivan Small Finance Bank's 'Aspiring' ESG rating impact its ability to attract ESG-focused institutional investors and access green financing opportunities?

What specific sustainability initiatives could the bank implement to improve its ESG score from 69 to reach the next rating category?

Will other small finance banks face increased pressure to obtain voluntary ESG ratings following Ujjivan's disclosure?

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Ujjivan Small Finance Bank Reports Q4FY26 Results with Total Deposits of ₹45,661 Cr

2 min read     Updated on 02 Apr 2026, 03:28 PM
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Ujjivan Small Finance Bank announced comprehensive Q4FY26 results showing strong financial performance with total deposits reaching ₹45,661 Cr (21.30% YoY growth) and gross loan book expanding to ₹40,655 Cr (26.60% YoY growth). The bank achieved overall disbursements of ₹9,763 Cr with 31.40% YoY growth, while maintaining healthy asset quality with PAR at 3.54% and collection efficiency of 99.81%.

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Ujjivan Small Finance Bank has announced its Q4FY26 quarterly results under Regulation 30, showcasing robust financial performance across all key business segments. The bank delivered strong growth momentum with significant improvements in deposits, loan book expansion, and disbursement activities during the quarter ended March 31, 2026.

Deposit Growth and CASA Performance

The bank achieved impressive deposit mobilization with total deposits reaching ₹45,661 Cr, representing a substantial growth of 21.30% year-over-year from ₹37,630 Cr in Q4FY25. Quarter-over-quarter growth stood at 8.10% from ₹42,223 Cr in Q3FY26.

Deposit Metrics Mar 31, 2026 Mar 31, 2025 YoY Growth Dec 31, 2025 QoQ Growth
Total Deposits (₹ Cr) 45,661 37,630 +21.30% 42,223 +8.10%
CASA (₹ Cr) 13,055 9,612 +35.80% 11,535 +13.20%
CASA Ratio (%) 28.60% 25.50% - 27.30% -
Credit-Deposit Ratio (%) 89.00% 85.40% - 87.80% -

Gross Loan Book Expansion

The bank's gross loan book expanded to ₹40,655 Cr as of March 31, 2026, marking a growth of 26.60% year-over-year from ₹32,122 Cr. The secured book component reached ₹20,081 Cr, representing 49.40% of the total loan portfolio and growing by 43.60% YoY.

Loan Segments (₹ Cr) Mar 31, 2026 Mar 31, 2025 YoY Growth Dec 31, 2025 QoQ Growth
Gross Loan Book 40,655 32,122 +26.60% 37,057 +9.70%
Group Loan (GL) 14,696 13,090 +12.30% 13,685 +7.40%
Individual Loan (IL) 6,013 5,182 +16.00% 5,687 +5.70%
Housing 10,477 7,308 +43.40% 9,560 +9.60%
MSME 3,230 2,046 +57.90% 2,865 +12.80%
Gold Loan 769 196 +292.20% 557 +38.10%

Disbursement Performance

Overall disbursements for Q4FY26 reached ₹9,763 Cr, demonstrating strong growth of 31.40% year-over-year from ₹7,428 Cr in Q4FY25. The quarter-over-quarter growth was 17.70% from ₹8,293 Cr in Q3FY26.

Disbursement Segments (₹ Cr) Q4 FY26 Q4 FY25 YoY Growth Q3 FY26 QoQ Growth
Overall Disbursement 9,763 7,428 +31.40% 8,293 +17.70%
Group Loan (GL) 3,872 2,787 +38.90% 3,464 +11.80%
FIG 1,565 1,064 +47.10% 895 +74.90%
Gold Loan 418 115 +263.40% 308 +35.70%
Vehicle Loan 235 140 +68.20% 274 -14.10%

Asset Quality Metrics

The bank maintained healthy asset quality indicators with Portfolio at Risk (PAR) improving to 3.54% as of March 31, 2026, compared to 4.54% in the previous year and 3.98% in the previous quarter. Gross Non-Performing Assets (GNPA) stood at 2.27%. The bank's micro banking collection efficiency remained robust at 99.81% for March 2026.

Historical Stock Returns for Ujjivan Small Finance Bank

1 Day5 Days1 Month6 Months1 Year5 Years
+2.27%+4.02%-1.05%+17.52%+64.48%+82.54%

How will Ujjivan's aggressive expansion in gold loans and MSME segments impact its risk profile and regulatory capital requirements in FY27?

What strategic initiatives is the bank planning to sustain its 21% deposit growth momentum amid increasing competition from larger banks?

Will the bank's improving CASA ratio of 28.6% enable significant margin expansion, and what is the target ratio for the next fiscal year?

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1 Year Returns:+64.48%